- Payday loans in Lansing follow Michigan law (Deferred Presentment Service Transactions Act (Act 244 of 2005)).
- Borrowing $300 at the state maximum costs $42.
- 5 credit unions are headquartered in Lansing; ask about small-dollar loans before borrowing.
Lansing at a glance
| Lansing | |
|---|---|
| Population (2024 Census estimate) | 114,336 |
| Change since 2020 | +1.6% (growing) |
| Counties | Clinton County, Eaton County and Ingham County |
| Size rank among 506 Michigan places we cover | 6th |
| Share of Michigan’s population | 1.1% |
| Nearest larger city | Ann Arbor (about 52 miles) |
| Credit unions headquartered in town (NCUA) | 5 |
| Credit unions headquartered in these counties | 7 |
| Other towns within 25 miles | 25 (about 119,178 residents) |
| Typical payday APR statewide (CRL 2023) | 356% |
Payday lending in Lansing follows Michigan state law. Lenders that serve Lansing, in a store or online, must be licensed by the Michigan Department of Insurance and Financial Services (DIFS).
Credit unions in Lansing
These credit unions have their main office in Lansing, according to NCUA call report data (June 2026):
- Consumers Professional Credit Union (state charter)
- Case Credit Union (state charter)
- Farm Bureau Family Credit Union (state charter)
- Auto-Owners Associates Credit Union (state charter)
- Lafcu Credit Union (state charter)
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
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Payday loan rules that apply in Lansing
| Rule | Michigan |
|---|---|
| Maximum loan | $600 |
| Maximum fee | 15% of the first $100, 14% of the second, 13% of the third, 12% of the fourth, 11% of the fifth and sixth ($76 on $600) |
| Loan term | Up to 31 days |
| Database | All licensed lenders check a statewide database |
What a $300 loan costs in Lansing
At Michigan’s maximum fee, borrowing $300 costs $42. Statewide, the typical APR on a $400 payday loan was 356% (Center for Responsible Lending, June 2023). Check any offer with our payday loan calculator.
Other help in Clinton County before you borrow
- Call or text 211 for help with rent, utilities and food in Clinton County.
- Ask a federal credit union about a PAL: $200–$2,000 at no more than 28% APR (how PALs work).
- Check your bank app for a small-dollar loan or early pay (bank options).
- Try a cash advance app if you have direct deposit (apps compared).
Towns near Lansing
The nearest larger city is Ann Arbor, about 52 miles away. See all 506 Michigan cities.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Lansing?
Yes. Payday loans are legal in Lansing under Michigan state law, and lenders must be licensed by the Michigan Department of Insurance and Financial Services (DIFS).
How much does a payday loan cost in Lansing?
At Michigan’s maximum fee, borrowing $300 costs $42. The typical statewide APR was 356% in 2023.
Are there credit unions in Lansing?
Yes. NCUA data lists 5 credit unions with a main office in Lansing, including Consumers Professional Credit Union and Case Credit Union.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- Michigan DIFS — Deferred presentment FAQ
- Act 244 of 2005
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary